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Personal Accident and Health Insurance in Poland, Key Trends and Opportunities to 2018

Published By :

Timetric

Published Date : Jan 2015

Category :

Health Insurance

No. of Pages : 242 Pages

Synopsis

The report provides in-depth market analysis, information and insights into the Polish personal accident and health insurance segment, including:

  • The Polish personal accident and health insurance segment’s growth prospects by insurance category
  • Key trends and drivers for the personal accident and health insurance segment
  • The various distribution channels in the Polish personal accident and health insurance segment
  • The detailed competitive landscape in the personal accident and health insurance segment in Poland
  • Detailed regulatory policies of the Polish insurance industry
  • Analysis of various consumer segments in Polish personal accident and health insurance
  • Key developments in the Polish personal accident and health insurance segment
  • New products launched by Polish personal accident and health insurers

Executive summary

The Polish personal accident and health insurance segment recorded steady growth during the review period. The segment’s gross written premium posted a review period (2009–2013) compound annual growth rate (CAGR) of 8.9%. The segment was driven by the economic growth, an increase in demand for health insurance, and a rise in the country’s aging population. Such factors are also expected to support the segment over the forecast period (2013–2018); as gross written premium is expected to increase at a projected CAGR of 8.7%. Poland has a general health insurance system under which subsidized health services are provided to residents. It is principally state-financed through the National Health Fund (NFZ), of which health insurance contributions formed a key part. Taxes from the state budget and self-government budgets also contributed. Public sector spending accounts for a large proportion of the total funding in Poland. Healthcare financing is low, however, as the country’s healthcare expenditure amounted to 6.7 % of its GDP in 2012, and has not kept up with the country’s GDP growth. This has put a strain on health services, leading to an increase in public dissatisfaction. The Ministry of Health has made a number of reforms to improve the country’s health insurance system.


Scope

This report provides a comprehensive analysis of the personal accident and health insurance segment in Poland:

  • It provides historical values for the Polish personal accident and health insurance segment for the report’s 2009–2013 review period, and projected figures for the 2013–2018 forecast period.
  • It offers a detailed analysis of the key categories in the Polish personal accident and health insurance segment, along with market forecasts until 2018.
  • It covers an exhaustive list of parameters, including written premium, incurred loss, loss ratio, commissions and expenses, combined ratio, frauds and crimes, total assets, total investment income and retentions.
  • It analyses the various distribution channels for personal accident and health insurance products in Poland.
  • It profiles the top personal accident and health insurance companies in Poland and outlines the key regulations affecting them.

Reasons to buy

  • Make strategic business decisions using in-depth historic and forecast market data related to Polish personal accident and health insurance segment and each category within it.
  • Understand the demand-side dynamics, key market trends and growth opportunities in the Polish personal accident and health insurance segment.
  • Assess the competitive dynamics in the personal accident and health insurance segment.
  • Identify the growth opportunities and market dynamics in key product categories.
  • Gain insights into key regulations governing the Polish insurance industry and their impact on companies and the industry's future.

Key highlights

  • Although the impact of the global economic crisis on Poland’s economy was not severe, government finances were affected, and there has been relatively little healthcare funding since 2009. 
  • In 2013, agencies constituted 61.5% of the total premiums generated in the segment due to their large client bases, high levels of brand trust, and established sales forces. 
  • The health insurance category accounted for the largest share, in terms of gross written premium, of the Polish personal accident and health insurance segment. The category held a share of 43.8% in 2013 and posted a review-period CAGR of 15.9%; it is expected to grow at a faster rate to become the largest category in the segment.
  • Factors such as rising healthcare costs, government initiatives to increase road safety, and increasing travel and tourism in the country are expected to drive growth. 
  • Child poverty is a key challenge in Poland, and is almost twice the rate in the UK.
  • The growth of the personal accident and health insurance segment is largely dependent on employment rates, as a decline in employment may lead to a decline in both group and individual insurance products.
Table of Contents

1 Key Facts and Events

2 Executive Summary

3 Introduction
3.1 What is this Report About?
3.2 Definitions
3.3 Methodology

4 Polish Insurance Industry Attractiveness
4.1 Insurance Industry Size, 2009–2018

5 Personal Accident and Health Insurance Segment Outlook
5.1 Consumer Segmentation
5.2 Key Trends
5.3 Key Drivers
5.4 Challenges
5.5 Personal Accident and Health Insurance Growth Prospects by Category
5.5.1 Personal accident insurance
5.5.2 Travel insurance
5.5.3 Health insurance
5.5.4 Non-life health insurance
5.5.5 Life health insurance

6 Analysis by Distribution Channel
6.1 Direct Marketing
6.2 Bancassurance
6.3 Agencies
6.4 E-Commerce
6.5 Brokers
6.6 Other Channels

7 Governance, Risk and Compliance
7.1 Legislation Overview and Historical Evolution
7.2 Legislation and Market Practice by Type of Insurance
7.2.1 Life insurance
7.2.2 Property insurance
7.2.3 Motor insurance
7.2.4 Marine, aviation and transit insurance
7.2.5 Personal accident and health insurance
7.3 Compulsory Insurance
7.3.1 Motor third-party liability insurance
7.3.2 Social insurance system
7.3.3 Air carriers and aircraft operators insurance
7.3.4 Marine liability insurance
7.4 Supervision and Control
7.4.1 International Association of Insurance Supervisors (IAIS)
7.4.2 European Insurance and Occupational Pensions Authority (EIOPA)
7.4.3 Polish Financial Supervision Authority (PFSA)
7.4.4 Polish Chamber of Insurance (PIU)
7.5 Non-Admitted Insurance Regulations
7.5.1 Overview
7.5.2 Intermediaries
7.5.3 Market practices
7.5.4 Fines and penalties
7.6 Company Registration and Operations
7.6.1 Types of insurance organization
7.6.2 Establishing a local company
7.6.3 Foreign ownership
7.6.4 Types of license
7.6.5 Capital requirements
7.6.6 Solvency margins
7.6.7 Reserve requirements
7.6.8 Investment regulations
7.6.9 Statutory return requirements
7.6.10 Fee structure
7.7 Taxation
7.7.1 Insurance premium or policy taxation
7.7.2 Withholding taxes on premium paid overseas
7.7.3 Corporate tax
7.7.4 VAT
7.7.5 Captives
7.8 Legal System
7.8.1 Introduction
7.8.2 Access to court
7.8.3 Alternative dispute resolution (ADR)

8 Competitive Landscape and Strategic Insights
8.1 Overview
8.2 Leading Companies in Polish Personal Accident and Health Insurance Segment
8.3 Leading Personal Accident and Health Insurers – New Product Launches
8.4 Leading Personal accident and health Insurers – Key Developments
8.5 PZU SA – Company Overview
8.5.1 PZU SA – Key facts
8.6 ING Tunż SA – Company Overview
8.6.1 ING Tunż SA – key facts
8.7 Tunż Warta SA – Company Overview
8.7.1 Tunż Warta SA – key facts
8.8 Tuir Allianz Polska SA – Company Overview
8.8.1 Tuir Allianz Polska SA – Key facts
8.9 Generali TU SA – Company Overview
8.9.1 Generali TU SA – Key facts
8.10 Gothaer Tu SA – Company Overview
8.10.1 Gothaer Tu SA – Key facts
8.11 Compensa TU SA Vienna Insurance Group – Company Overview
8.11.1 Compensa Tu SA Vienna Insurance Group – key facts
8.12 Nordea Polska Tu na Å»ycie SA – Company Overview
8.12.1 Nordea Polska Tu na Å»ycie SA – key facts
8.13 Axa Å»ycie Tu SA – Company Overview
8.13.1 Axa Å»ycie Tu SA – key facts
8.14 Tu Europa SA – Company Overview
8.14.1 Tu Europa SA – key facts

9 Appendix – 1
9.1 Market Capitalization Trend – Warsaw Stock Exchange, Poland
9.2 GDP at Constant Prices (US$)
9.3 GDP per Capita at Constant Prices (US$)
9.4 GDP at Current Prices (US$)
9.5 GDP per Capita at Current Prices (US$)
9.6 GDP by Key Sector
9.7 Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices (US$)
9.8 Agriculture Net Output at Current Prices as a Percentage of GDP
9.9 Manufacturing Net Output at Current Prices (US$)
9.10 Manufacturing Net Output at Current Prices as a Percentage of GDP
9.11 Mining, Manufacturing and Utilities at Current Prices (US$)
9.12 Mining, Manufacturing and Utilities at Current Prices, as a Percentage of GDP
9.13 Construction Net Output at Current Prices, (US$)
9.14 Construction Net Output at Current Prices as a Percentage of GDP
9.15 Inflation Rate
9.16 Exports as a Percentage of GDP
9.17 Imports as a Percentage of GDP
9.18 Merchandise Exports Growth
9.19 Merchandise Imports Growth
9.20 Annual Average Exchange Rate PLN–US$
9.21 Commercial Vehicle Imports – Total Value
9.22 Commercial Vehicle Exports – Total Value
9.23 Automotive Exports – Total Value
9.24 Automotive Imports – Total Value
9.25 Total Internet Subscribers
9.26 Labor Force
9.27 Unemployment Rate
9.28 Total Population
9.29 Urban and Rural Populations
9.30 Age Distribution of the Total Population
9.31 Life Expectancy

10 Appendix – 2
10.1 Methodology
10.2 Contact Timetric
10.3 About Timetric
10.4 Timetric’s Services
10.5 Disclaimer

List of Table

Table 1: Polish Personal Accident and Health Insurance – Key Facts, 2013
Table 2: Insurance Industry Definitions
Table 3: Polish Insurance – Gross Written Premium by Segment (PLN Billion), 2009–2013
Table 4: Polish Insurance – Gross Written Premium by Segment (US$ Billion), 2009–2013
Table 5: Polish Insurance – Gross Written Premium by Segment (PLN Billion), 2013–2018
Table 6: Polish Insurance – Gross Written Premium by Segment (US$ Billion), 2013–2018
Table 7: Polish Insurance – Segmentation, Gross Written Premium (Percentage Share), 2009–2018
Table 8: Polish Insurance – Direct Written Premium by Segment (PLN Billion), 2009–2013
Table 9: Polish Insurance – Direct Written Premium by Segment (US$ Billion), 2009–2013
Table 10: Polish Insurance – Direct Written Premium by Segment (PLN Billion), 2013–2018
Table 11: Polish Insurance – Direct Written Premium by Segment (US$ Billion), 2013–2018
Table 12: Polish Insurance – Segmentation, Direct Written Premium (Percentage Share), 2009–2018
Table 13: Polish Personal Accident and Health Insurance – Gross Written Premium by Category (PLN Billion), 2009–2013
Table 14: Polish Personal Accident and Health Insurance – Gross Written Premium by Category (US$ Billion), 2009–2013
Table 15: Polish Personal Accident and Health Insurance – Gross Written Premium by Category (PLN Billion), 2013–2018
Table 16: Polish Personal Accident and Health Insurance – Gross Written Premium by Category (US$ Billion), 2013–2018
Table 17: Polish Personal Accident and Health Insurance – Direct Written Premium by Category (PLN Billion), 2009–2013
Table 18: Polish Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Billion), 2009–2013
Table 19: Polish Personal Accident and Health Insurance – Direct Written Premium by Category (PLN Billion), 2013–2018
Table 20: Polish Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Billion), 2013–2018
Table 21: Polish Personal Accident and Health Insurance – Earned Premium (PLN Billion), 2009–2013
Table 22: Polish Personal Accident and Health Insurance – Earned Premium (PLN Billion), 2013–2018
Table 23: Polish Personal Accident and Health Insurance – Paid Claims by Category (PLN Billion), 2009–2013
Table 24: Polish Personal Accident and Health Insurance – Paid Claims by Category (US$ Billion), 2009–2013
Table 25: Polish Personal Accident and Health Insurance – Paid Claims by Category (PLN Billion), 2013–2018
Table 26: Polish Personal Accident and Health Insurance – Paid Claims by Category (US$ Billion), 2013–2018
Table 27: Polish Personal Accident and Health Insurance – Incurred Loss by Category (PLN Billion), 2009–2013
Table 28: Polish Personal Accident and Health Insurance – Incurred Loss by Category (US$ Billion), 2009–2013
Table 29: Polish Personal Accident and Health Insurance – Incurred Loss by Category (PLN Billion), 2013–2018
Table 30: Polish Personal Accident and Health Insurance – Incurred Loss by Category (US$ Billion), 2013–2018
Table 31: Polish Personal Accident and Health Insurance – Retention by Category (PLN Billion), 2009–2013
Table 32: Polish Personal Accident and Health Insurance – Retention by Category (US$ Billion), 2009–2013
Table 33: Polish Personal Accident and Health Insurance – Retention by Category (PLN Billion), 2013–2018
Table 34: Polish Personal Accident and Health Insurance – Retention by Category (US$ Billion), 2013–2018
Table 35: Polish Personal Accident and Health Insurance – Loss Ratio (%), 2009–2013
Table 36: Polish Personal Accident and Health Insurance – Loss Ratio (%), 2013–2018
Table 37: Polish Personal Accident and Health Insurance – Commission and Expenses (PLN Billion), 2009–2013
Table 38: Polish Personal Accident and Health Insurance – Commission and Expenses (PLN Billion), 2013–2018
Table 39: Polish Personal Accident and Health Insurance – Combined Ratio (%), 2009–2013
Table 40: Polish Personal Accident and Health Insurance – Combined Ratio (%), 2013–2018
Table 41: Polish Personal Accident and Health Insurance – Frauds and Crimes (PLN Billion), 2009–2013
Table 42: Polish Personal Accident and Health Insurance – Frauds and Crimes (PLN Billion), 2013–2018
Table 43: Polish Personal Accident and Health Insurance – Total Assets (PLN Billion), 2009–2013
Table 44: Polish Personal Accident and Health Insurance – Total Assets (PLN Billion), 2013–2018
Table 45: Polish Personal Accident and Health Insurance – Total Investment Income (PLN Billion), 2009–2013
Table 46: Polish Personal Accident and Health Insurance – Total Investment Income (PLN Billion), 2013–2018
Table 47: Polish Personal Accident and Health Insurance – Retentions (PLN Billion), 2009–2013
Table 48: Polish Personal Accident and Health Insurance – Retentions (PLN Billion), 2013–2018
Table 49: Polish Personal Accident Insurance – Number of Policies Sold (Thousand), 2009–2013
Table 50: Polish Personal Accident Insurance – Number of Policies Sold (Thousand), 2013–2018
Table 51: Polish Personal Accident Insurance – Gross Written Premium (PLN Billion), 2009–2013
Table 52: Polish Personal Accident Insurance – Gross Written Premium (PLN Billion), 2013–2018
Table 53: Polish Personal Accident Insurance – Loss Ratio (%), 2009–2013
Table 54: Polish Personal Accident Insurance – Loss Ratio (%), 2013–2018
Table 55: Polish Travel Insurance – Number of Policies Sold (Thousand), 2009–2013
Table 56: Polish Travel Insurance – Number of Policies Sold (Thousand), 2013–2018
Table 57: Polish Travel Insurance – Gross Written Premium (PLN Billion), 2009–2013
Table 58: Polish Travel Insurance – Gross Written Premium (PLN Billion), 2013–2018
Table 59: Polish Travel Insurance – Loss Ratio (%), 2009–2013
Table 60: Polish Travel Insurance – Loss Ratio (%), 2013–2018
Table 61: Polish Health Insurance – Gross Written Premium by Sub-Category (PLN Billion), 2009–2013
Table 62: Polish Health Insurance – Gross Written Premium by Sub-Category (US$ Billion), 2009–2013
Table 63: Polish Health Insurance – Gross Written Premium by Sub-Category (PLN Billion), 2013–2018
Table 64: Polish Health Insurance – Gross Written Premium by Sub-Category (US$ Billion), 2013–2018
Table 65: Polish Non-Life Health Insurance – Number of Policies Sold (Thousand), 2009–2013
Table 66: Polish Non-Life Health Insurance – Number of Policies Sold (Thousand), 2013–2018
Table 67: Polish Non-Life Health Insurance – Gross Written Premium (PLN Billion), 2009–2013
Table 68: Polish Non-Life Health Insurance – Gross Written Premium (PLN Billion), 2013–2018
Table 69: Polish Non-Life Health Insurance – Direct Written Premium (PLN Billion), 2009–2013
Table 70: Polish Non-Life Health Insurance – Direct Written Premium (PLN Billion), 2013–2018
Table 71: Polish Non-Life Health Insurance – Loss Ratio (%), 2009–2013
Table 72: Polish Non-Life Health Insurance – Loss Ratio (%), 2013–2018
Table 73: Polish Non-Life Health Insurance – Retention (PLN Billion), 2009–2013
Table 74: Polish Non-Life Health Insurance – Retention (PLN Billion), 2013–2018
Table 75: Polish Life Health Insurance – Number of Policies Sold (Thousand), 2009–2013
Table 76: Polish Life Health Insurance – Number of Policies Sold (Thousand), 2013–2018
Table 77: Polish Life Health Insurance – Gross Written Premium (PLN Billion), 2009–2013
Table 78: Polish Life Health Insurance – Gross Written Premium (PLN Billion), 2013–2018
Table 79: Polish Life Health Insurance – Direct Written Premium (PLN Billion), 2009–2013
Table 80: Polish Life Health Insurance – Direct Written Premium (PLN Billion), 2013–2018
Table 81: Polish Life Health Insurance – Loss Ratio (%), 2009–2013
Table 82: Polish Life Health Insurance – Loss Ratio (%), 2013–2018
Table 83: Polish Life Health Insurance – Retention (PLN Billion), 2009–2013
Table 84: Polish Life Health Insurance – Retention (PLN Billion), 2013–2018
Table 85: Polish Personal Accident and Health Insurance – Direct Marketing Commission Paid (PLN Billion), 2009–2013
Table 86: Polish Personal Accident and Health Insurance – Direct Marketing Commission Paid (PLN Billion), 2013–2018
Table 87: Polish Personal Accident and Health Insurance – Gross Written Premium Through Direct Marketing (PLN Billion), 2009–2013
Table 88: Polish Personal Accident and Health Insurance – Gross Written Premium Through Direct Marketing (PLN Billion), 2013–2018
Table 89: Polish Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2009–2013
Table 90: Polish Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2013–2018
Table 91: Polish Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2009–2013
Table 92: Polish Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2013–2018
Table 93: Polish Personal Accident and Health Insurance – Bancassurance Commission Paid (PLN Billion), 2009–2013
Table 94: Polish Personal Accident and Health Insurance – Bancassurance Commission Paid (PLN Billion), 2013–2018
Table 95: Polish Personal Accident and Health Insurance – Gross Written Premium Through Bancassurance (PLN Billion), 2009–2013
Table 96: Polish Personal Accident and Health Insurance – Gross Written Premium Through Bancassurance (PLN Billion), 2013–2018
Table 97: Polish Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2009–2013
Table 98: Polish Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2013–2018
Table 99: Polish Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2009–2013
Table 100: Polish Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2013–2018
Table 101: Polish Personal Accident and Health Insurance – Commission Paid to Agencies (PLN Billion), 2009–2013
Table 102: Polish Personal Accident and Health Insurance – Commission Paid to Agencies (PLN Billion), 2013–2018
Table 103: Polish Personal Accident and Health Insurance – Gross Written Premium Through Agencies (PLN Billion), 2009–2013
Table 104: Polish Personal Accident and Health Insurance – Gross Written Premium Through Agencies (PLN Billion), 2013–2018
Table 105: Polish Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2009–2013
Table 106: Polish Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2013–2018
Table 107: Polish Personal Accident and Health Insurance – Number of Agencies, 2009–2013
Table 108: Polish Personal Accident and Health Insurance – Number of Agencies, 2013–2018
Table 109: Polish Personal Accident and Health Insurance – E-Commerce Commission Paid (PLN Billion), 2009–2013
Table 110: Polish Personal Accident and Health Insurance – E-Commerce Commission Paid (PLN Billion), 2013–2018
Table 111: Polish Personal Accident and Health Insurance – Gross Written Premium Through E-Commerce (PLN Billion), 2009–2013
Table 112: Polish Personal Accident and Health Insurance – Gross Written Premium Through E-Commerce (PLN Billion), 2013–2018
Table 113: Polish Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2009–2013
Table 114: Polish Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2013–2018
Table 115: Polish Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2009–2013
Table 116: Polish Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2013–2018
Table 117: Polish Personal Accident and Health Insurance – Commission Paid to Brokers (PLN Billion), 2009–2013
Table 118: Polish Personal Accident and Health Insurance – Commission Paid to Brokers (PLN Billion), 2013–2018
Table 119: Polish Personal Accident and Health Insurance – Gross Written Premium Through Brokers (PLN Billion), 2009–2013
Table 120: Polish Personal Accident and Health Insurance – Gross Written Premium Through Brokers (PLN Billion), 2013–2018
Table 121: Polish Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2009–2013
Table 122: Polish Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2013–2018
Table 123: Polish Personal Accident and Health Insurance – Number of Brokers, 2009–2013
Table 124: Polish Personal Accident and Health Insurance – Number of Brokers, 2013–2018
Table 125: Polish Personal Accident and Health Insurance – Commission Paid to Other Channels (PLN Billion), 2009–2013
Table 126: Polish Personal Accident and Health Insurance – Commission Paid to Other Channels (PLN Billion), 2013–2018
Table 127: Polish Personal Accident and Health Insurance – Gross Written Premium Through Other Channels (PLN Billion), 2009–2013
Table 128: Polish Personal Accident and Health Insurance – Gross Written Premium Through Other Channels (PLN Billion), 2013–2018
Table 129: Polish Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2009–2013
Table 130: Polish Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2013–2018
Table 131: Polish Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2009–2013
Table 132: Polish Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2013–2018
Table 133: Poland – Life Insurance Regulatory Framework
Table 134: Poland – Property Insurance Regulatory Framework
Table 135: Poland – Motor Insurance Regulatory Framework
Table 136: Poland – Minimum Cover for Aircraft Third-Party Liability, Per Accident Per Aircraft
Table 137: Poland – Corporate Tax Rate for the Financial Year 2014
Table 138: Poland Leading Personal Accident and Health Insurance Companies, 2013
Table 139: PZU S.A., Key Facts
Table 140: ING Tunż SA, Key Facts
Table 141: Tunż Warta SA, Key Facts
Table 142: Tuir Allianz Polska SA, Key Facts
Table 143: Generali TU SA, Key Facts
Table 144: Gothaer Tu SA, Key Facts
Table 145: Compensa Tu SA Vienna Insurance Group, Key Facts
Table 146: Nordea Polska Tu na Życie SA, Key Facts
Table 147: Axa Życie Tu SA, Key Facts
Table 148: Tu Europa SA, Key Facts

List of Chart

Figure 1: Polish Insurance – Gross Written Premium by Segment (PLN Billion), 2009–2018
Figure 2: Polish Insurance – Dynamics by Segment, Gross Written Premium (2009–2018)
Figure 3: Polish Insurance – Direct Written Premium by Segment (PLN Billion), 2009–2018
Figure 4: Polish Insurance – Dynamics by Segment, Direct Written Premium (2009–2018)
Figure 5: Polish Insurance – Gross Written Premium and Health Expenditure Statistics, 2008–2018
Figure 6: Polish Insurance – Population Distribution by Gender and Age Group, 2013
Figure 7: Polish Insurance – Outbound Tourism (Thousands), 2009–2013
Figure 8: Polish Personal Accident and Health Insurance – Gross Written Premium by Category (PLN Billion), 2009–2018
Figure 9: Polish Personal Accident and Health Insurance – Gross Written Premium by Category (Percentage Share), 2013 and 2018
Figure 10: Polish Personal Accident and Health Insurance – Dynamics by Category, 2009–2018
Figure 11: Polish Personal Accident and Health Insurance – Direct Written Premium by Category (PLN Billion), 2009–2018
Figure 12: Polish Personal Accident and Health Insurance – Direct Written Premium by Category (Percentage Share), 2013 and 2018
Figure 13: Polish Personal Accident and Health Insurance – Dynamics by Category, 2009–2018
Figure 14: Polish Personal Accident and Health Insurance – Earned Premium (PLN Billion), 2009–2013
Figure 15: Polish Personal Accident and Health Insurance – Earned Premium (PLN Billion), 2013–2018
Figure 16: Polish Personal Accident and Health Insurance – Paid Claims by Category (PLN Billion), 2009–2018
Figure 17: Polish Personal Accident and Health Insurance – Incurred Loss by Category (PLN Billion), 2009–2018
Figure 18: Polish Personal Accident and Health Insurance – Retention by Category (PLN Billion), 2009–2018
Figure 19: Polish Personal Accident and Health Insurance – Loss Ratio (%), 2009–2013
Figure 20: Polish Personal Accident and Health Insurance – Loss Ratio (%), 2013–2018
Figure 21: Polish Personal Accident and Health Insurance – Commission and Expenses (PLN Billion), 2009–2013
Figure 22: Polish Personal Accident and Health Insurance – Commission and Expenses (PLN Billion), 2013–2018
Figure 23: Polish Personal Accident and Health Insurance – Combined Ratio (%), 2009–2013
Figure 24: Polish Personal Accident and Health Insurance – Combined Ratio (%), 2013–2018
Figure 25: Polish Personal Accident and Health Insurance – Frauds and Crimes (PLN Billion), 2009–2013
Figure 26: Polish Personal Accident and Health Insurance – Frauds and Crimes (PLN Billion), 2013–2018
Figure 27: Polish Personal Accident and Health Insurance – Total Assets (PLN Billion), 2009–2013
Figure 28: Polish Personal Accident and Health Insurance – Total Assets (PLN Billion), 2013–2018
Figure 29: Polish Personal Accident and Health Insurance – Total Investment Income (PLN Billion), 2009–2013
Figure 30: Polish Personal Accident and Health Insurance – Total Investment Income (PLN Billion), 2013–2018
Figure 31: Polish Personal Accident and Health Insurance – Retentions (PLN Billion), 2009–2013
Figure 32: Polish Personal Accident and Health Insurance – Retentions (PLN Billion), 2013–2018
Figure 33: Polish Personal Accident and Health Insurance – Investment Portfolio (PLN Billion), 2009–2013
Figure 34: Polish Personal Accident and Health Insurance – Investment Portfolio (% Share), 2009 and 2013
Figure 35: Polish Personal Accident and Health Insurance – Penetration (%), 2009–2013
Figure 36: Polish Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2009–2013
Figure 37: Polish Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2013–2018
Figure 38: Polish Personal Accident and Health Insurance – Premium per Capita (PLN), 2009–2013
Figure 39: Polish Personal Accident Insurance – Number of Policies Sold (Thousand), 2009–2013
Figure 40: Polish Personal Accident Insurance – Number of Policies Sold (Thousand), 2013–2018
Figure 41: Polish Personal Accident Insurance – Gross Written Premium (PLN Billion), 2009–2013
Figure 42: Polish Personal Accident Insurance – Gross Written Premium (PLN Billion), 2013–2018
Figure 43: Polish Personal Accident Insurance – Loss Ratio (%), 2009–2013
Figure 44: Polish Personal Accident Insurance – Loss Ratio (%), 2013–2018
Figure 45: Polish Travel Insurance – Number of Policies Sold (Thousand), 2009–2013
Figure 46: Polish Travel Insurance – Number of Policies Sold (Thousand), 2013–2018
Figure 47: Polish Travel Insurance – Gross Written Premium (PLN Billion), 2009–2013
Figure 48: Polish Travel Insurance – Gross Written Premium (PLN Billion), 2013–2018
Figure 49: Polish Travel Insurance – Loss Ratio (%), 2009–2013
Figure 50: Polish Travel Insurance – Loss Ratio (%), 2013–2018
Figure 51: Polish Health Insurance – Gross Written Premium by Sub-Category (PLN Billion), 2009–2018
Figure 52: Polish Health Insurance – Dynamics by Sub-Category, 2009–2018
Figure 53: Polish Non-Life Health Insurance – Number of Policies Sold (Thousand), 2009–2013
Figure 54: Polish Non-Life Health Insurance – Number of Policies Sold (Thousand), 2013–2018
Figure 55: Polish Non-Life Health Insurance – Gross Written Premium (PLN Billion), 2009–2013
Figure 56: Polish Non-Life Health Insurance – Gross Written Premium (PLN Billion), 2013–2018
Figure 57: Polish Non-Life Health Insurance – Direct Written Premium (PLN Billion), 2009–2013
Figure 58: Polish Non-Life Health Insurance – Direct Written Premium (PLN Billion), 2013–2018
Figure 59: Polish Non-Life Health Insurance – Loss Ratio (%), 2009–2013
Figure 60: Polish Non-Life Health Insurance – Loss Ratio (%), 2013–2018
Figure 61: Polish Non-Life Health Insurance – Retention (PLN Billion), 2009–2013
Figure 62: Polish Non-Life Health Insurance – Retention (PLN Billion), 2013–2018
Figure 63: Polish Life Health Insurance – Number of Policies Sold (Thousand), 2009–2013
Figure 64: Polish Life Health Insurance – Number of Policies Sold (Thousand), 2013–2018
Figure 65: Polish Life Health Insurance – Gross Written Premium (PLN Billion), 2009–2013
Figure 66: Polish Life Health Insurance – Gross Written Premium (PLN Billion), 2013–2018
Figure 67: Polish Life Health Insurance – Direct Written Premium (PLN Billion), 2009–2013
Figure 68: Polish Life Health Insurance – Direct Written Premium (PLN Billion), 2013–2018
Figure 69: Polish Life Health Insurance – Loss Ratio (%), 2009–2013
Figure 70: Polish Life Health Insurance – Loss Ratio (%), 2013–2018
Figure 71: Polish Life Health Insurance – Retention (PLN Billion), 2009–2013
Figure 72: Polish Life Health Insurance – Retention (PLN Billion), 2013–2018
Figure 73: Polish Personal Accident and Health Insurance – Written Premium by Distribution Channel (Percentage Share), 2013 and 2018
Figure 74: Polish Personal Accident and Health Insurance – Direct Marketing Commission Paid (PLN Billion), 2009–2013
Figure 75: Polish Personal Accident and Health Insurance – Direct Marketing Commission Paid (PLN Billion), 2013–2018
Figure 76: Polish Personal Accident and Health Insurance – Gross Written Premium Through Direct Marketing (PLN Billion), 2009–2013
Figure 77: Polish Personal Accident and Health Insurance – Gross Written Premium Through Direct Marketing (PLN Billion), 2013–2018
Figure 78: Polish Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2009–2013
Figure 79: Polish Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2013–2018
Figure 80: Polish Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2009–2013
Figure 81: Polish Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2013–2018
Figure 82: Polish Personal Accident and Health Insurance – Bancassurance Commission Paid (PLN Billion), 2009–2013
Figure 83: Polish Personal Accident and Health Insurance – Bancassurance Commission Paid (PLN Billion), 2013–2018
Figure 84: Polish Personal Accident and Health Insurance – Gross Written Premium Through Bancassurance (PLN Billion), 2009–2013
Figure 85: Polish Personal Accident and Health Insurance – Gross Written Premium Through Bancassurance (PLN Billion), 2013–2018
Figure 86: Polish Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2009–2013
Figure 87: Polish Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2013–2018
Figure 88: Polish Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2009–2013
Figure 89: Polish Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2013–2018
Figure 90: Polish Personal Accident and Health Insurance – Commission Paid to Agencies (PLN Billion), 2009–2013
Figure 91: Polish Personal Accident and Health Insurance – Commission Paid to Agencies (PLN Billion), 2013–2018
Figure 92: Polish Personal Accident and Health Insurance – Gross Written Premium Through Agencies (PLN Billion), 2009–2013
Figure 93: Polish Personal Accident and Health Insurance – Gross Written Premium Through Agencies (PLN Billion), 2013–2018
Figure 94: Polish Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2009–2013
Figure 95: Polish Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2013–2018
Figure 96: Polish Personal Accident and Health Insurance – Number of Agencies, 2009–2013
Figure 97: Polish Personal Accident and Health Insurance – Number of Agencies, 2013–2018
Figure 98: Polish Personal Accident and Health Insurance – E-Commerce Commission Paid (PLN Billion), 2009–2013
Figure 99: Polish Personal Accident and Health Insurance – E-Commerce Commission Paid (PLN Billion), 2013–2018
Figure 100: Polish Personal Accident and Health Insurance – Gross Written Premium Through E-Commerce (PLN Billion), 2009–2013
Figure 101: Polish Personal Accident and Health Insurance – Gross Written Premium Through E-Commerce (PLN Billion), 2013–2018
Figure 102: Polish Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2009–2013
Figure 103: Polish Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2013–2018
Figure 104: Polish Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2009–2013
Figure 105: Polish Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2013–2018
Figure 106: Polish Personal Accident and Health Insurance – Commission Paid to Brokers (PLN Billion), 2009–2013
Figure 107: Polish Personal Accident and Health Insurance – Commission Paid to Brokers (PLN Billion), 2013–2018
Figure 108: Polish Personal Accident and Health Insurance – Gross Written Premium Through Brokers (PLN Billion), 2009–2013
Figure 109: Polish Personal Accident and Health Insurance – Gross Written Premium Through Brokers (PLN Billion), 2013–2018
Figure 110: Polish Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2009–2013
Figure 111: Polish Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2013–2018
Figure 112: Polish Personal Accident and Health Insurance – Number of Brokers, 2009–2013
Figure 113: Polish Personal Accident and Health Insurance – Number of Brokers, 2013–2018
Figure 114: Polish Personal Accident and Health Insurance – Commission Paid to Other Channels (PLN Billion), 2009–2013
Figure 115: Polish Personal Accident and Health Insurance – Commission Paid to Other Channels (PLN Billion), 2013–2018
Figure 116: Polish Personal Accident and Health Insurance – Gross Written Premium Through Other Channels (PLN Billion), 2009–2013
Figure 117: Polish Personal Accident and Health Insurance – Gross Written Premium Through Other Channels (PLN Billion), 2013–2018
Figure 118: Polish Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2009–2013
Figure 119: Polish Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2013–2018
Figure 120: Polish Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2009–2013
Figure 121: Polish Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2013–2018
Figure 122: Poland – Insurance Regulatory Framework
Figure 123: Poland – The Three Pillars of Solvency II
Figure 124: Poland – Insurance Supervision and Control at Various Levels
Figure 125: Poland – Insurance Regulatory Frameworks for Company Registration and Operation
Figure 126: Polish, Warsaw Stock Exchange Market Capitalization (US$ Billion), 2008–2012
Figure 127: Polish GDP at Constant Prices (US$ Billion), 2009–2013
Figure 128: Polish GDP Per Capita at Constant Prices (US$), 2009–2013
Figure 129: Polish GDP at Current Prices (US$ Billion), 2009–2013
Figure 130: Polish GDP Per Capita at Current Prices (US$), 2009–2013
Figure 131: Polish GDP by Key Sector (%) 2008 and 2012
Figure 132: Polish Agriculture Net Output at Current Prices (US$ Billion), 2008–2012
Figure 133: Polish Agriculture Net Output at Current Prices as a Percentage of GDP (%), 2008–2012
Figure 134: Polish Manufacturing Net Output at Current Prices (US$ Billion), 2008–2012
Figure 135: Polish Manufacturing Net Output at Current Prices as a Percentage of GDP (%), 2008–2012
Figure 136: Polish Mining, Manufacturing and Utilities Net Output at Current Prices (US$ Billion), 2008–2012
Figure 137: Polish Mining, Manufacturing and Utilities Net Output at Current Prices as a percentage of GDP (%), 2008–2012
Figure 138: Polish Construction Net Output at Current Prices (US$ Billion), 2008–2012
Figure 139: Polish Construction Output at Current Prices as a Percentage of GDP (%), 2008–2012
Figure 140: Polish Inflation Rate (%), 2009–2013
Figure 141: Polish Exports as a Percentage of GDP (%), 2008–2012
Figure 142: Polish Imports as a Percentage of GDP (%), 2008–2012
Figure 143: Polish Merchandise Exports Growth (%), 2009–2012
Figure 144: Polish Merchandise Imports Growth (%), 2009–2012
Figure 145: Polish Annual Average Exchange Rate US$–PLN, 2009–2013
Figure 146: Polish Commercial Vehicle Imports – Total Value (US$ Million), 2009–2013
Figure 147: Polish Commercial Vehicle Exports – Total Value (US$ Million), 2009–2013
Figure 148: Polish Automotive Exports – Total Value (US$ Million), 2009–2013
Figure 149: Polish Automotive Imports – Total Value (US$ Billion), 2009–2013
Figure 150: Polish Internet Subscriptions (Millions), 2009–2013
Figure 151: Polish Size of Labor Force (Million), 2008–2012
Figure 152: Polish Unemployment Rate (%), 2009–2013
Figure 153: Polish Total Population (Million), 2009–2013
Figure 154: Polish Urban and Rural Populations (%), 2009–2013
Figure 155: Polish Population Distribution by Age (%), 2009–2013
Figure 156: Polish Life Expectancy (Number of Years), 2009–2013

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